5040 Lagrange RdLeightonAL35646
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 5040 Lagrange Rd, Leighton, AL, 35646 in Leighton is narrow, $74/mo net on $1,004/mo rent after the $741/mo debt service, but the property operates at break-even-plus, not a loss. At $164,750 with a 7.32% yield, the long-run equity case via 5% appreciation ($45,517 over five years) and $1,517/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.35 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $66,868.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 7.5% |
| Monthly Cash Flow | $74 | $300 |
City averages based on Leighton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,004 |
| Total Monthly Debt Service | $864 |
| DSCR Ratio | 1.16x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1968
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35646, Leighton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,173 (100%) |
| Owner Occupied HU | 1,512 (69.6%) |
| Renter Occupied HU | 404 (18.6%) |
| Vacant Housing Units | 257 (11.8%) |
| Median Home Value | $154,526 |
| Average Home Value | $198,896 |
Housing Distribution
Address Breakdown
Residential
1,800
Single Family
1,800
Multi-Family
0
Businesses
111
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1968
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35646, Leighton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,173 (100%) |
| Owner Occupied HU | 1,512 (69.6%) |
| Renter Occupied HU | 404 (18.6%) |
| Vacant Housing Units | 257 (11.8%) |
| Median Home Value | $154,526 |
| Average Home Value | $198,896 |
Housing Distribution
Address Breakdown
Residential
1,800
Single Family
1,800
Multi-Family
0
Businesses
111
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices